InterestFirstTest025
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Net effect |
Payment status |
Balance status |
Actuarial interest |
New interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Settlement figure |
| 0 |
2021-02-02 |
350.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
229.9000 |
350.00 |
350.00 |
| 26 |
2021-02-28 |
n/a |
original 168.00 |
1 |
168.00 |
confirmed 168.00 |
168.00 |
payment made |
open |
72.8000 |
0.0000 |
168.00 |
0.00 |
61.9000 |
350.00 |
254.80 |
| 54 |
2021-03-28 |
n/a |
original 168.00 |
2 |
168.00 |
n/a |
0.00 |
missed payment |
open |
78.4000 |
0.0000 |
0.00 |
0.00 |
61.9000 |
350.00 |
333.20 |
| 85 |
2021-04-28 |
n/a |
original 168.00 |
3 |
168.00 |
confirmed 84.00 |
84.00 |
paid later owing 84.00 |
open |
86.8000 |
8.1000 |
70.00 |
14.00 |
0.0000 |
336.00 |
336.00 |
| 115 |
2021-05-28 |
n/a |
original 168.00 |
4 |
168.00 |
n/a |
0.00 |
paid later in full |
open |
80.6400 |
80.6400 |
0.00 |
0.00 |
80.6400 |
336.00 |
416.64 |
| 189 |
2021-08-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
31.3600 |
31.3600 |
5.46 |
0.00 |
106.5400 |
336.00 |
442.54 |
| 220 |
2021-09-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0000 |
5.46 |
0.00 |
101.0800 |
336.00 |
437.08 |
| 251 |
2021-10-11 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0000 |
5.46 |
0.00 |
95.6200 |
336.00 |
431.62 |
| 281 |
2021-11-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0000 |
5.46 |
0.00 |
90.1600 |
336.00 |
426.16 |
| 317 |
2021-12-16 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0000 |
5.46 |
0.00 |
84.7000 |
336.00 |
420.70 |
| 402 |
2022-03-11 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0000 |
5.46 |
0.00 |
79.2400 |
336.00 |
415.24 |
| 422 |
2022-03-31 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.46 |
5.46 |
extra payment |
open |
0.0000 |
0.0000 |
5.46 |
0.00 |
73.7800 |
336.00 |
409.78 |
| 430 |
2022-04-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 7.06 |
7.06 |
extra payment |
open |
0.0000 |
0.0000 |
7.06 |
0.00 |
66.7200 |
336.00 |
402.72 |
| 462 |
2022-05-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0000 |
5.98 |
0.00 |
60.7400 |
336.00 |
396.74 |
| 506 |
2022-06-23 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0000 |
5.98 |
0.00 |
54.7600 |
336.00 |
390.76 |
| 531 |
2022-07-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0000 |
5.98 |
0.00 |
48.7800 |
336.00 |
384.78 |
| 562 |
2022-08-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 5.98 |
5.98 |
extra payment |
open |
0.0000 |
0.0000 |
5.98 |
0.00 |
42.8000 |
336.00 |
378.80 |
| 583 |
2022-09-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 6.89 |
6.89 |
extra payment |
open |
0.0000 |
0.0000 |
6.89 |
0.00 |
35.9100 |
336.00 |
371.91 |
| 615 |
2022-10-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
8.69 |
0.00 |
27.2200 |
336.00 |
363.22 |
| 646 |
2022-11-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
8.69 |
0.00 |
18.5300 |
336.00 |
354.53 |
| 689 |
2022-12-23 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
8.69 |
0.00 |
9.8400 |
336.00 |
345.84 |
| 715 |
2023-01-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
8.69 |
0.00 |
1.1500 |
336.00 |
337.15 |
| 741 |
2023-02-13 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
1.15 |
7.54 |
0.0000 |
328.46 |
328.46 |
| 750 |
2023-02-22 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.69 |
0.0000 |
319.77 |
319.77 |
| 771 |
2023-03-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.69 |
8.69 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.69 |
0.0000 |
311.08 |
311.08 |
| 799 |
2023-04-12 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.21 |
9.21 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.21 |
0.0000 |
301.87 |
301.87 |
| 855 |
2023-06-07 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.21 |
9.21 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.21 |
0.0000 |
292.66 |
292.66 |
| 856 |
2023-06-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.62 |
0.0000 |
284.04 |
284.04 |
| 895 |
2023-07-17 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.62 |
0.0000 |
275.42 |
275.42 |
| 924 |
2023-08-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.62 |
0.0000 |
266.80 |
266.80 |
| 954 |
2023-09-14 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.62 |
0.0000 |
258.18 |
258.18 |
| 988 |
2023-10-18 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.62 |
8.62 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.62 |
0.0000 |
249.56 |
249.56 |
| 1039 |
2023-12-08 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.0000 |
240.73 |
240.73 |
| 1073 |
2024-01-11 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.0000 |
231.90 |
231.90 |
| 1106 |
2024-02-13 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.0000 |
223.07 |
223.07 |
| 1141 |
2024-03-19 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.0000 |
214.24 |
214.24 |
| 1169 |
2024-04-16 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.0000 |
205.41 |
205.41 |
| 1192 |
2024-05-09 |
n/a |
n/a |
4 |
0.00 |
confirmed 8.83 |
8.83 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
8.83 |
0.0000 |
196.58 |
196.58 |
| 1224 |
2024-06-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.0000 |
187.47 |
187.47 |
| 1253 |
2024-07-09 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.0000 |
178.36 |
178.36 |
| 1290 |
2024-08-15 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.0000 |
169.25 |
169.25 |
| 1316 |
2024-09-10 |
n/a |
n/a |
4 |
0.00 |
confirmed 9.11 |
9.11 |
extra payment |
open |
0.0000 |
0.0000 |
0.00 |
9.11 |
0.0000 |
160.14 |
160.14 |
| ★ 1323 |
2024-09-17 |
n/a |
n/a |
4 |
0.00 |
n/a |
0.00 |
information only |
open |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.0000 |
160.14 |
160.14 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: open |
| Effective interest rate: 0.1393396527 % per day |
Final cost-to-borrowing ratio: 184.35 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 115 |
| Final actual payment count: 39 |
Last actual payment day: 1316 |
Description
Realistic test 0003ff00bffb with add-on method
Generated: see details
Basic Parameters
| Evaluation Date |
2024-09-17 |
| Start Date |
2021-02-02 |
| Principal |
350.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2021-02 on 28 |
payment count: 4 |
| payment value: 168.00 |
schedule type: original |
|
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Interest options |
| standard rate: 0.8 % per day |
method: add-on |
| rounding: rounded down |
APR method: UK FCA to 1 d.p. |
| cap: total 100 %; daily 0.8 % |
|
Advanced Parameters
| Payment options |
| scheduling: as scheduled |
timeout: 3 days |
| minimum: defer or write off up to 0.50 |
|
| Interest options |
| initial grace period: 0 day(s) |
rate on negative balance: 8 % per year |
| promotional rates: n/a |
|
| Fee options |
no fee
|
| Charge options |
no charges
|
| Settlement day | n/a |
| Trim unrequired payments | false |
Initial Schedule
| Day |
Scheduled payment |
Actuarial interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Total actuarial interest |
Total interest |
Total principal |
| 0 |
0.00 |
0.0000 |
0.00 |
0.00 |
229.90 |
350.00 |
0.0000 |
0.00 |
0.00 |
| 26 |
168.00 |
72.8000 |
168.00 |
0.00 |
61.90 |
350.00 |
72.8000 |
168.00 |
0.00 |
| 54 |
168.00 |
78.4000 |
61.90 |
106.10 |
0.00 |
243.90 |
151.2000 |
229.90 |
106.10 |
| 85 |
168.00 |
60.4872 |
0.00 |
168.00 |
0.00 |
75.90 |
211.6872 |
229.90 |
274.10 |
| 115 |
168.00 |
18.2160 |
0.00 |
168.00 |
0.00 |
-92.10 |
229.9032 |
229.90 |
442.10 |
Initial Stats
| Initial interest balance: 229.90 |
Initial cost-to-borrowing ratio: 52 % |
Initial APR: 3915.9 % |
| Level payment: 168.00 |
Final payment: 168.00 |
Last scheduled payment day: 115 |
| Total scheduled payments: 672.00 |
Total principal: 442.10 |
Total interest: 229.90 |
FSharp.Finance.Personal